Health Cover Advisory
Compare health plans with a clearer view of provider networks, benefits, limits and the needs of your household.
Cover overview
What this cover can help protect
- Access to a network of hospitals and clinics, depending on the plan
- Outpatient and inpatient care as defined by the chosen plan
- Optional add-ons such as dental or optical, where available
- Family or dependant enrolment options, depending on the provider
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You're comparing health plans for the first time
- Your family has grown and your plan needs reviewing
- You've changed jobs or location and need a new network
- You want a second opinion on a plan you've been offered
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
Do I need to share my medical history to get advice?
No — please don't include health details in the enquiry form. We'll explain what's needed on a call.
Is this the same as buying insurance directly?
We advise and connect you with a suitable provider; the provider underwrites the plan.
Can I cover my whole family on one plan?
Many providers offer family enrolment — we'll talk through what fits your household.
What happens after I make an enquiry?
An adviser follows up to discuss suitable plans and guide enrolment. Nothing is confirmed at enquiry stage.
Let’s find out what suitable health cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.